Golf Cart Insurance

Whether you’re driving to the clubhouse or coasting along the coast, stay protected with coverage built for Florida’s lifestyle.

Golf Cart Insurance

Golf carts are no longer limited to manicured fairways and weekend tournaments. Across many American neighborhoods, gated communities and beach towns, these compact vehicles have become a go-to for quick commutes and leisurely rides. Whether you’re zipping to the clubhouse or cruising to your neighbor’s barbecue, your golf cart is part of your lifestyle and just like any other vehicle, it deserves the right protection.

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What Is Golf Cart Insurance?

Golf cart insurance is a specialized policy that covers you, your passengers and your vehicle in the case of accidents, damage or theft. Depending on how and where you drive your golf cart, coverage can range from basic liability protection to comprehensive plans that include collision and personal injury. In some states, golf cart insurance is required if your cart is street-legal or used outside private property — making it not just a safety choice, but a legal necessity.

Typical coverage may include:

✔ Liability coverage for injuries to people or damage to property.
✔ Collision coverage covers the cost of repairs following an accident.
✔ Comprehensive coverage for theft, fire or vandalism
✔ Medical payments for you or your passengers
✔ Uninsured motorist coverage if another driver causes damage but lacks insurance

Why Should You Insure Your Golf Cart?

Financial Protection When You Need It Most

A small accident can result in costly repairs or medical bills. Having insurance ensures you’re not paying out of pocket for unexpected damages.

Coverage Beyond the Course

Many Americans use their golf carts in neighborhoods, retirement communities and campgrounds. A good policy protects you wherever your cart takes you, not just on the greens.

Peace of Mind for Every Ride

Knowing that your passengers, property and cart are all protected allows you to relax and enjoy every drive without worry.

Street-Legal Compliance

If your golf cart is equipped with headlights, mirrors, and license plates for public road use, most states require insurance. Having coverage keeps you fully compliant and protected from fines.

Customizable Add-Ons

You can design your policy to include roadside assistance, accessories coverage (like custom wheels or GPS) and more, because every cart is unique.

Your golf cart might be compact, but the memories, convenience, and fun it brings are big. Protecting it with the right insurance means protecting a part of your everyday life. Whether it’s a quick grocery run or a quiet sunset drive, golf cart insurance gives you the confidence to enjoy every moment — worry-free.

At our Insurance Agency, we know your golf cart is more than just a ride—it’s part of your lifestyle. That’s why we provide exceptional customer service and support from your first consultation through the entire claims process.

Contact us today to learn more about our Golf Cart Insurance coverage and how we can help protect your cart and your peace of mind.

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